Lake Forest Bank & Trust Company, National Association

Lake Forest, IllinoisFDIC Cert #27589

OCCEstablished 198610 branches

Holding company: WINTRUST FINANCIAL CORPRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %

0.45%

+1.7%y/y

Peer standing36th percentile

FDICP3ASSET + LNLSGR

90+ %

0.02%

−3.0%y/y

Peer standing32nd percentile

FDICP9ASSET + LNLSGR

Nonaccrual %

0.33%

+7.1%y/y

Peer standing69th percentile

FDICNAASSET + LNLSGR

Noncurrent %

0.35%

+6.6%y/y

Peer standing71st percentile

FDICP9ASSET + NAASSET + LNLSGR

NPA/assets

0.27%

+15.1%y/y

Peer standing71st percentile

FDICP9ASSET + NAASSET + ORE + ASSET

NPA

$24.3M

+18.7%y/y

Peer standing46th percentile

FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate

0.06%

+252.9%y/y

Peer standing52nd percentile

FDICNTLNLS + LNLSGR

NCO

$918K

+287.3%y/y

Peer standing36th percentile

FDICNTLNLS + DRLNLS + CRLNLS

ACL/loans

0.79%

+2.4%y/y

Percentile by value15th percentileby value

FDICLNATRES + LNLSGR

30–89

$30.7M

+13.7%y/y

Peer standing16th percentile

FDICP3ASSET

90+

$1.22M

+8.6%y/y

Peer standing24th percentile

FDICP9ASSET

Nonaccrual

$22.5M

+19.9%y/y

Peer standing45th percentile

FDICNAASSET